Although Telegram casinos actively use cryptocurrencies, many players still prefer the usual fiat payment methods - bank cards, local payment systems, Apple Pay, etc. To implement this without banking restrictions, two flexible approaches are used: P2P exchange and payment aggregators.
P2P exchanges: player pays player
P2P (peer-to-peer) is a model in which players replenish their accounts directly through transactions with other participants or through a Telegram bot acting as an intermediary.
How does it work:1. The player selects the recharge amount and method (e.g., card/monobank/FPS).
2. The bot selects a suitable P2P counterparty.
3. The player transfers the money directly and uploads the check.
4. After verification, the funds are credited to the game balance.
Advantages:- No direct participation of the bank or payment system
- Minimum fees
- High flexibility by region
- Resistance to locks and sanctions
Risks: require good moderation and an anti-fraud system.
Aggregators - Centralized Solution
Payment aggregators are services that allow Telegram casinos to accept fiat payments and automatically credit them to the player's balance.
Popular aggregators:- PayOp
- Fondy
- Interkassa
- CryptoCloud (with fiat support)
- Unitpay, Wayforpay (for CIS)
- Bank cards (Visa, MasterCard)
- Apple Pay, Google Pay
- Local methods (SBP, Kaspi, Privat24, etc.)
- Instant enrollment and notifications
- Fully automatic process
- Support for returns, promo codes, analytics
- Easy integration with WebApp and bot
Cons: registration and compliance with the requirements of the aggregator are needed (they can request documents and KYC).
When to use which method?
| Scenario | Better to use |
|---|---|
| Operating in volatile markets | P2P-exchangers |
| Quick start without licenses | P2P |
| Mass payments, stability | Aggregators |
| Registration of bonuses, coupons, shares | Aggregators with CRM |
| Minimizing fees | P2P or hybrid approach |
Security and protection
All fiat transactions are logged and protected- For P2P, a system of recalls, auto-locks, confirmations is used
- In aggregators - SSL, Webhook validation, two-factor authorization
- Support for limits and geo-dependent methods can be implemented (e.g. by IP country)
Fiat payments are still in demand in Telegram casinos. Thanks to P2P exchangers and aggregators, the platform can work in any jurisdiction, quickly accept money from players and provide a comfortable user experience. The choice depends on the business model: from full automation to flexible and anonymous P2P format.
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